Statewide · FL

Medicare, health plans and retirement income in Florida

Florida has one of the largest Medicare-age populations in the country, and both Medicare Advantage and ACA Marketplace plans are widely available across its metro areas. We are licensed in Florida and work with clients statewide.

Communities we serve

Across Florida, statewide

We work with clients throughout Florida by phone and video — including in and around these communities.

Miami Tampa Orlando Jacksonville Fort Lauderdale Sarasota Naples St. Petersburg

Good to know

What matters when you shop in Florida

Medicare Supplement in Florida

Florida uses the standard federal Medicare Supplement plans, Plan A through Plan N. Coverage is identical between carriers for the same letter, so the comparison is about price and rate-increase history rather than benefit design.

The windows that decide your timing

  • Annual Enrollment October 15, 2026 – December 7, 2026 for Medicare Advantage & Part D changes, effective January 1, 2027.
  • Medigap open enrollment A one-time six-month window from the start of your Part B — no health questions asked.
  • ACA & everything else ACA Marketplace has its own annual Open Enrollment; supplemental coverage and annuities can be reviewed any time.

How it works

A no-fee Florida review, in three steps

Same licensed guidance a local client gets — handled by phone or video, wherever you are in Florida.

  1. 1

    Tell us what prompted it

    A birthday, a move, a rate increase or a new prescription — the reason shapes what we look at first.

  2. 2

    We compare on paper

    Your current coverage against what is actually available to you this plan year, with every limitation shown next to the benefits.

  3. 3

    You decide — no pressure

    Sometimes the honest answer is to keep exactly what you have. Either way, you will understand why.

Questions

Florida questions we get most

Are you licensed in Florida?

Yes. Benefits Empire LLC is licensed to sell insurance in Florida, and we work with Florida clients statewide by phone and video. NPN 19254421.

What can you help me with in Florida?

Medicare Advantage, Medicare Supplement and Part D, ACA Marketplace health plans, dental/vision/hearing, hospital indemnity and annuities. There is no fee to review your situation.

Is Medicare Supplement sold differently in Florida?

Florida uses the standard federal Medicare Supplement plans, Plan A through Plan N. Coverage is identical between carriers for the same letter, so the comparison is about price and rate-increase history rather than benefit design.

When can I make a change?

Medicare Advantage and Part D changes happen during Annual Enrollment, October 15, 2026 to December 7, 2026, taking effect January 1, 2027. Medicare Supplement has a one-time six-month window from the start of your Part B. ACA Marketplace has its own annual Open Enrollment. Annuities and supplemental coverage can be reviewed any time.

Talk through your Florida options

A no-fee review covering what you have now, what is available to you, and whether a change is actually worth making — for Florida residents, by phone or video.